完善实名认证、钱包与打卡点模块 UI 与业务逻辑。

对齐 Android 实名认证流程与审核页、钱包提现/积分兑换界面，优化打卡点列表与详情交互，并补充相关资源、主题 token 与单元测试。

Co-authored-by: Cursor <cursoragent@cursor.com>

suixinkanTests/TravelAlbumOTGCoreTests.swift

@@ -106,4 +106,52 @@ final class TravelAlbumOTGCoreTests: XCTestCase {
 
         XCTAssertEqual(key, "punch_point/20260709/u900/aaaaaaaabbbbccccddddeeeeeeeeeeee_guide_photo.jpg")
     }
+
+    func testOSSRealNameObjectKeyUsesAndroidUserPath() {
+        let previousUserId = AppStore.shared.session.userId
+        AppStore.shared.session.userId = "u901"
+        defer { AppStore.shared.session.userId = previousUserId }
+
+        var calendar = Calendar(identifier: .gregorian)
+        calendar.timeZone = TimeZone(secondsFromGMT: 0)!
+        let date = calendar.date(from: DateComponents(year: 2026, month: 7, day: 13))!
+        let uuid = UUID(uuidString: "11111111-2222-3333-4444-555555555555")!
+
+        let key = OSSUploadPolicy.objectKey(
+            fileName: "id/front.jpg",
+            scenicId: 9,
+            moduleType: "real_name_auth",
+            date: date,
+            uuid: uuid,
+            timeZone: TimeZone(secondsFromGMT: 0)!
+        )
+
+        XCTAssertEqual(key, "real_name_auth/20260713/u901/11111111222233334444555555555555_id_front.jpg")
+    }
+
+    func testOSSRealNamePathDoesNotChangeAvatarOrBankCardModules() {
+        let date = Date(timeIntervalSince1970: 0)
+        let uuid = UUID(uuidString: "11111111-2222-3333-4444-555555555555")!
+        let timeZone = TimeZone(secondsFromGMT: 0)!
+
+        let avatar = OSSUploadPolicy.objectKey(
+            fileName: "avatar.jpg",
+            scenicId: 9,
+            moduleType: "user_avatar",
+            date: date,
+            uuid: uuid,
+            timeZone: timeZone
+        )
+        let bankCard = OSSUploadPolicy.objectKey(
+            fileName: "bank.jpg",
+            scenicId: 9,
+            moduleType: "bank_card",
+            date: date,
+            uuid: uuid,
+            timeZone: timeZone
+        )
+
+        XCTAssertTrue(avatar.hasPrefix("avatar/19700101/9/"))
+        XCTAssertTrue(bankCard.hasPrefix("bank_card/19700101/9/"))
+    }
 }